Underwriter - C11 - Sao Paulo

## For additional information, please review .

Underwriter - C11 - SAO PAULO page is loaded## Underwriter - C11 - SAO PAULOlocations : Sao Paulo Sao Paulo Braziltime type : Full timeposted on : Posted Todaytime left to apply : End Date : October 2, 2025 (6 days left to apply)job requisition id : 25909725

• Full Analyst Profile
• Credit Analyst is an intermediate-level position, responsible for conducting credit reviews, monitoring the portfolio to identify the variation in the quality of its customers, in coordination with the Risk Management team.
• Responsibilities :
• Conducts risk assessments and customer credit analyses, reviews financial results and peer reviews, and prepares financial projections;
• Prepares approval memoranda (Credit Reports and ATAs), conducting due diligence and sensitivity analyses;
• Escalates credit concerns / updates to risk and business managers and proposes risk mitigation measures, continuously staying informed of developments / news related to the portfolio and the covered sector and understanding Citi's credit process, policies and risk appetite;
• Assists in preparing portfolio review and conducting stress tests;
• Participates in credit committees and discussions, proactively;
• Engagement in customer visits and calls;
• Builds working relationships with multiple teams across the bank, including sales, markets, and product teams;
• Resolves issues and recommends solutions to moderate issues;
• Serves as an expert and consultant for specific industries;
• Advises the commercial area on transaction structures and negotiates credit terms;
• Appropriately assess risks during business-related decision-making processes, with particular attention to the reputation and protection of Citi's credit portfolio;
• Transparently escalate, manage, and report control issues.
• Qualifications :
• Previous experience in credit analysis (3-6 years);
• Knowledge of accounting, corporate finance, financial analysis / modeling, credit products, derivatives, risk assessment and transaction execution;
• High degree of customer analytical capacity and complex structures.
• Consistently demonstrate clear and concise communication (written and oral) Proven ability to work with a high degree of autonomy and in a team;
• Ability to work with reduced delivery time (sense of urgency);
• Ability to negotiate with the commercial area and risks;
• Previous experience of DD meetings with clients;
• Demonstrated responsibility, self-motivation and business acumen;
• Mastery of the Office package.
• Education :
• Bachelor's degree / university degree or equivalent experience
• Languages :
• Advanced English
• Job Family Group :
• Risk Management
• Job Family :
• Credit Decisions
• Time Type :
• Full time
• Most Relevant Skills
• Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
• Other Relevant Skills
• For complementary skills, please see above and / or contact the recruiter.
• Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
• If you are a person with a disability and need a reasonable accommodation to use our search tools and / or apply for a career opportunity review
• View Citi's and the poster.

#J-18808-Ljbffr